Vol. 5 No. 1 (2026), Articles
Vol. 5 No. 1 (2026)

TIJORAT BANKLARINING IPOTEKA KREDITI RISKLARINI SAMARALI BOSHQARISH YO‘LLARI.

Articles
Published 2026-06-02
Hamrakulova Gulnoza Faxriddin qizi
Mustaqil tadqiqotchi, Toshkent Kimyo xalqaro universiteti 08.00.07 – "Moliya, pul muomalasi va kredit" ixtisosligi
PDF

Keywords

ipoteka krediti, kredit riski, NPL, skoring indeksi, LTV, DTI, notarial ijro, tijorat banki, risklarni boshqarish, O‘zbekiston.

Abstract

Ushbu maqola tijorat banklarida ipoteka krediti risklarini samarali boshqarishga qaratilgan kompleks yondashuvlarni tahlil qiladi. Tadqiqotda "Biznesni rivojlantirish banki" ATBning 2023–2025 yillar oraliqidagi ipoteka portfeli ma’lumotlari asosida skoring indeksi tizimi, avtomatlashtirilgan baholash platformasi, Loan-to-Value (LTV) va Debt-to-Income (DTI) ko‘rsatkichlari, shuningdek notarial ijro mexanizmining amaliy samaradorligi o'rganilgan. Tadqiqot natijalari shuni ko‘rsatadiki, ushbu instrumentlarni joriy etish muammoli kreditlar (NPL 90+) ulushini 10,9%dan 3,74%gacha kamaytirish imkonini bergan, shubhali va umidsiz kreditlar hajmi esa mos ravishda 5% va 7%ga qisqargan. Maqola bank nazariyasi va moliyaviy risklarni boshqarish bo'yicha xalqaro tajribani sintezlagan holda O‘zbekiston tijorat banklari uchun amaliy tavsiyalar ishlab chiqadi.

PDF

References

Altman, E.I. and Sabato, G. (2007) 'Modelling Credit Risk for SMEs: Evidence from the US Market', Abacus, 43(3), pp. 332–357. https://doi.org/10.1111/j.1467-6281.2007.00234.x

2. Atkinson, A. and Messy, F. (2023) Measuring Financial Literacy. OECD Working Papers on Finance, Insurance and Private Pensions, No. 15. Paris: OECD Publishing.

3. Bank for International Settlements (BIS) (2024) Basel III: Finalising post-crisis reforms. Basel: BIS. Available at: https://www.bis.org (Accessed: 10 March 2025).

4. Biznеsni rivojlantirish banki ATB (2025) Ipoteka krediti mahsulotlari bo‘yicha mijozlarni kreditga layoqatligini baholashning skoring kartasi. Toshkent: BRB (Ichki hujjat).

5. European Banking Authority (EBA) (2024) Guidelines on loan origination and monitoring. EBA/GL/2020/06. Paris: EBA.

6. Mian, A. and Sufi, A. (2023) House of Debt: How They (and You) Caused the Great Recession, and How We Can Prevent It from Happening Again. Chicago: University of Chicago Press.

7. Mishkin, F.S. (2023) The Economics of Money, Banking and Financial Markets. 13th edn. Hoboken: Pearson Education.

8. O‘zbekiston Respublikasi Markaziy banki (2023) Banklarda kredit risklarini boshqarish bo‘yicha yo‘riqnoma. Toshkent: Markaziy bank.

9. O‘zbekiston Respublikasi Markaziy banki (2024) Yillik hisobot 2024. Toshkent: Markaziy bank. Available at: https://www.cbu.uz (Accessed: 5 April 2025).

10. O‘zbekiston Respublikasi Prezidentining 2019 yil 12 fevraldagi PF-5655-son Farmoni 'Ipoteka kreditlashni rivojlantirish to‘g‘risida'. Toshkent: O'zbekiston Respublikasi.

11. O‘zbekiston Respublikasi Statistika agentligi (2024) O‘zbekistonda yashash sharoiti va qurilish statistikasi. Toshkent: Statistika agentligi. Available at: https://stat.uz (Accessed: 1 April 2025).